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Motorcycle Insurance Coverage

We recognize your passion for motorcycle riding.

Standard Motorcycle Insurance Coverage

Experience peace of mind on all your journeys with our PSIC Motorcycle Insurance coverage.

Provides essential protection in case you're held legally responsible for injuries or property damages in the unwanted event of a motorcycle accident. Therefore, it covers general damages to other vehicles and also helps you handle legal expenses if you face a lawsuit.

Optional Motorcycle Insurance Coverage

We go beyond basic coverage by offering additional options to ensure that you and your motorcycle are always protected, whether you’re taking a short ride or embarking on an epic adventure.

Uninsured motorist coverage

Protects you by covering medical expenses and other costs in the unfortunate event that you’re injured in an accident caused by a driver who doesn’t have insurance. This policy includes Uninsured property damage meaning that you can receive compensation for your motorcycle’s damages if a driver doesn’t have coverage to pay for the damages they have caused to your motorcycle.

Underinsured motorist coverage

If you find yourself in an accident where the at-fault driver’s insurance policy doesn’t have enough coverage to pay for the medical expenses, we will step in to cover the remaining amount. This coverage ensures that the cost of repairing or replacing your vehicle is also taken care of, safeguarding you from being left unprotected in those unwanted situations.

Medical payments

It ensures that you are protected if you get injured while riding by covering your medical bills, regardless of who is responsible for the accident.

Income protection

Provides financial support in the event you’re unable to work due to injuries caused while riding a motorcycle. We’ll keep you covered until you can resume work.

Disappearing deductibles

Recognizes and rewards drivers who maintain a clean driving record. With this endorsement, your deductible gradually decreases or disappears altogether as you drive without accidents or violations.

Comprehensive and collision coverage

Helps pay for repairs or replacements if your motorcycle got damaged in a covered claim involving a collision, and also helps cover damages from incidents other than collisions, such as theft, vandalism, or falling objects.

Accessory coverage

Covers the repair or replacement of upgrades and equipment you’ve added to your bike, such as custom paint, custom wheels and seats, saddlebags and windshields, chrome pieces, and handlebars.

Safety gear coverage

Ensures that your riding gear, including helmets, leathers, riding boots, gloves, and protective eyewear, is protected while riding your bike.

Roadside assistance coverage

Provides necessary services and minor repairs to help you get your bike back on the road after experiencing a malfunction, including towing, jump starts, flat tire assistance, vehicle fluid delivery, lockout assistance, and concierge service.

Trip interruption coverage

Offers financial assistance for temporary living expenses like hotel stays and rental cars, ensuring that you are prepared for unexpected costs in the event of an accident occurring more than 50 miles away from your home.

Trailer coverage

Safeguards the trailer you use to transport your motorcycle. It’s an essential coverage that offers protection for both the trailer and the motorcycle, ensuring their safety during transportation.

Where Does PSIC Offer Motorcycle Insurance Coverage?

At PSIC, we provide Motorcycle Insurance coverage in the states of California, Hawaii, Nevada, and New Jersey.
We plan to expand our Motorcycle Insurance coverage nationwide soon, ensuring all riders the benefit of our reliable insurance solutions.

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Privacy Notice at Collection for CA employees

Last updated: June 27, 2023

  1. About this Notice. This privacy notice sets out how The McGraw Group of Affiliated Companies collects and uses personal information about you in compliance with our obligations under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA). This Notice supplements all other privacy policies we have in place.

We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.

  1. Key Terms. The following key terms are used in this notice:
  • We, us, our. The McGraw Group of Affiliated Companies.
  • Personal information. Any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular individual.
  • Sensitive personal information. Personal information revealing an individual’s social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation, racial or ethnic origin, religious beliefs, or union membership, personal information concerning a consumer’s health, sex life, or sexual orientation, contents of a consumer’s mail, email and text messages where the business is not the intended recipient, genetic data, and biometric information.
  • Biometric Information. An individual’s physiological, biological, or behavioral characteristics, including information pertaining to an individual’s deoxyribonucleic acid (DNA), that is used or is intended to be used singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.

Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.

  1. Personal Information We Collect About You. We may collect and use the following categories of personal information about you:

Categories of Personal Information Collected

  • Identifiers: Name, alias, postal address, email address, phone number, account name, social security number, driver’s license number, passport number, or other similar identifiers.
  • Employment-related information such as your job title, salary, benefits information, emergency contact information, references, qualifications, skills and experience.
  • Personal information as defined in Customer Records law: Name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, education, professional license number employment history, bank account number, other financial information, medical information, and/or health insurance information.
  • Characteristics of protected classifications under California or federal law such as race, age, sex, familial status, and disability.
  • Audio, electronic, visual, or similar information such as photographs and call recordings
  • Background check information such as your criminal and credit history
  • Inferences are not drawn from any of the information identified above to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
  1. How and Why We Use Your Personal Information. We use your personal information for the following purposes:

Purposes for Collecting and Using Your Personal Information

Managing Human Resource Functions:

  • Recruiting, hiring, and onboarding
  • Performing background checks
  • Implementing diversity and inclusion initiatives
  • Training and career development
  • Assessing performance
  • Determining promotions, transfers, salary, awards, and bonuses
  • Managing disciplinary matters
  • Managing payroll and business expenses
  • Administering leave requests
  • Employee communications
  • Administration of benefits
  • Promoting employee health and safety

Conducting business operations:

  • Budgeting
  • Recordkeeping and reporting requirements
  • Managing infrastructure and company assets
  • Strategic planning
  • Maintaining security and risk management
  • Emergency response and business continuity
  • Conducting audits
  • Pursuing or defending legal or administrative claims

Monitoring:

  • Compliance
  • Use of company resources
  • Any other monitoring activities permitted by applicable laws

Compliance with:

  • Legal and regulatory obligations
  • Court or other government directives
  • Internal policies and procedures

Investigating:

  • Reports of wrongdoing
  • Policy violations
  • Internal complaints
  1. Whether Personal Information Will Be Sold or Shared. We do not sell or share the personal information of employees.
  2. How Long Your Personal Information Will Be Kept. We will keep your personal information for as long as is necessary while you are employed by us. Thereafter, we will keep your personal information:
  • To respond to any questions, complaints or claims made by you or on your behalf or;
  • To keep records required by law. In California, this is currently and generally a minimum of four (4) years.

We will not retain your personal information for longer than necessary for the purposes set out in this notice. Different retention periods apply for different types of personal information.

When it is no longer necessary to retain your personal information, we will delete or anonymize it.

  1. If you have any questions or concerns about this notice or the information we collect about you, please contact send an email to privacy@pacificspecialty.com.